hero_m

Best Home Warranty Companies 2024

An overview of the best home warranty providers: Find comprehensive coverage, exceptional service, and peace of mind for your home with these top-rated companies.

Written by
Grace Lemire
Last Update on Jan 10, 2024

We have researched and evaluated various companies to help you protect your home and ease the burden of unexpected repairs. From coverage plans that safeguard essential systems and appliances to exceptional customer service and hassle-free claims processes, we have compiled a list of the leading home warranty providers that offer reliable protection and peace of mind for homeowners. 

Whether you are a first-time homeowner or looking to switch providers, join us as we explore the top-rated options to find the best home warranty coverage tailored to your needs.

Best Home Warranty Companies

Home Warranty CompanyRatingBest For…Plan Price OptionsState AvailabilityService Fees
2-10 Home Buyers Warranty3.5Affordable services$15.33 to $56.94 per monthAll 50 U.S. states and the District of Columbia$65, $85, or $100
AFC Home Club4.8Overall coverage$31.42 to $54.08 per monthNot available in Hawaii$75 to $125
American Home Shield4.5Comprehensive coverage$19.99 to $69.99 per monthNot available in Alaska or D.C.$75 to $125
American Residential Warranty4.9No cancellation fee$39.99 to $129.99 per monthAll states except California, Virginia, Iowa, and Texas$55
Choice Home Warranty4.3Simple, straightforward coverage$46.83 to $54.75 per monthNot available in Washington$85
Cinch Home Services4.5Quick response times$34.99 to $49.99 per monthNot available in Alaska or Hawaii$100 to $150
Home Warranty of America3.3High-efficiency replacements$45 to $55 per monthAll 50 U.S. states and the District of Columbia$75 or $100
Liberty Home Guard5Rental properties; overall value$49.99 to $59.99 per monthNot available in Washington or Wisconsin$60
Select Home Warranty4.2Affordable coverage$44.42 to $47.75 per monthNot available in New York, Nevada, Wisconsin, or Washington$60 to $75
The Home Service Club4.224/7 claims process$51.25 to $62.50 per monthAll 50 states$65, $95, or $125
BEST FOR AFFORDABLE SERVICES

2-10 Home Buyers Warranty

3.3
★★★★★ ★★★★★ ★★★★★
Plans Available
4
Customer Service Reputation
Just okay; Several reports of poor customer service
Unique Features
Military discounts
Monthly Premium Cost
$15.33 to $56.94 per month
Service Fees
$65, $85, or $100
Show More Details

2-10 Home Buyers Warranty offers three plans, with the option to add extra services and create a custom plan:

  • Simply Kitchen ($15.33 per month): Coverage for kitchen appliances, like dishwashers, ovens, and ice makers
  • Complete Home ($47.16 per month): Coverage for heating, cooling, plumbing, and electrical systems, plus everything covered by the Simply Kitchen plan
  • Pinnacle Home ($56.94 per month): Supreme coverage and laundry machine coverage, plus everything covered by the Simply Kitchen and Complete Home plans

Optional add-ons include:

  • Roof leaks
  • Septic systems
  • Pool and spa equipment
  • Water softeners
  • Well pumps
  • Freezers
  • Second refrigerators
  • Wine refrigerators

Pros:

  • Solid response time
  • Affordable
  • Coverage available in all 50 U.S. states and the District of Columbia

Cons:

  • Phone support only available during business hours
  • Customer service isn’t the most highly-rates
Additional Details

Coverage is available in all 50 U.S. states and the District of Columbia for single-family homes and condos. If you own a multi-family property, you’ll need to look elsewhere.

2-10 Home Buyers Warranty also has a $25 cancellation fee after signing an annual contract.

BEST OVERALL COVERAGE

AFC Home Club

4.8
★★★★★ ★★★★★ ★★★★★
Plans Available
4
Customer Service Reputation
Good; Customer service often responds to online complaints directly with in-depth responses
Unique Features
Ability to choose your own approved contractor
Monthly Premium Cost
$31.42 to $54.08 per month
Service Fees
$75 to $125
Show More Details

AFC Home Club offers four plans with three tiers of pricing:

  • Systems Plan ($41.83 per month): Coverage for up to nine systems, including AC, water heaters, heating systems, electrical, plumbing, and ductwork
  • Silver Plan ($31.42 per month): Coverage for six appliances, including washers and dryers, refrigerators, garbage disposals, ovens, garage door openers, and dishwashers
  • Gold Plan ($49.17 per month): Combination of the Silver Plan and Systems Plan
  • Platinum Plan ($54.08 per month): Combination of the Gold Plan plus coverage for plumbing stoppages, ice makers, and built-in microwaves

Optional add-ons include:

  • Septic systems
  • Sump pump
  • Pool and spa equipment
  • Standalone freezers
  • Central vacuum
  • Roof leak repair
  • Electronics

Pros:

  • Comprehensive coverage
  • Phone and online request lines available 24/7
  • Ability to choose your own contractor

Cons:

  • Not available in Hawaii
  • High cancellation fee of $75
  • Coverage is more expensive than some competitors
Additional Details

AFC Home Club allows you to choose your own approved contractor for services. Alternatively, upon request, they’ll supply one of their customer-approved technicians within 24 to 48 hours of the request.

BEST FOR COMPREHENSIVE COVERAGE

American Home Shield

4.5
★★★★★ ★★★★★ ★★★★★
Plans Available
3
Customer Service Reputation
Great; American Home Shield receives surprisingly high ratings
Unique Features
Network of approved technicians
Monthly Premium Cost
$19.99 to $69.99 per month
Service Fees
$75 to $125
Show More Details

American Home Shield offers three plans:

  • ShieldSilver ($19.99 per month): Coverage for up to 14 plumbing, heating, cooling, and electrical systems
  • ShieldGold ($39.99 per month): Coverage for nine systems, including kitchen and laundry appliances, plus
  • ShieldSilver coverage
  • ShieldPlatinum ($69.99 per month): Coverage for roof leaks, code violations, HVAC services, and AC refrigerant, plus ShieldGold coverage

Optional add-ons include:

  • Electronics
  • Pools and spas
  • Well pump
  • Septic pump
  • Guest units under 750 square feet

Pros:

  • Military discount available
  • Comprehensive coverage options

Cons:

  • Not available in Alaska or D.C.
  • Limited optional add-ons
  • You’ll need to get your own contract approved to use them
Additional Details

American Home Shield has a network of highly-skilled technicians ready for repairs. If you request one, someone will be on-site within 48 hours. If you’d like to use your own contractor, you’ll need to get them approved ahead of time.

BEST FOR NO CANCELLATION FEE

American Residential Warranty

4.9
★★★★★ ★★★★★ ★★★★★
Plans Available
3
Customer Service Reputation
Just okay; Some of ARW’s reviews are less-than-desirable
Unique Features
No cancellation fee; Option to use your own contractor
Monthly Premium Cost
$39.99 to $129.99 per month
Service Fees
$55
Show More Details

American Residential Warranty offers three coverage options, each with one $55 service fee price:

Kitchen Plus ($39.99 per month): Coverage for built-in microwaves, dishwashers, garbage disposals, electrical systems, kitchen exhaust fans, ovens, refrigerators, and water heaters

Platinum Premier ($64.99 per month): Coverage for central AC ceiling fans, ductwork, garage door openers, plumbing systems and stoppages, range hoods, and refrigerator ice makers, plus Kitchen Plus coverage

4-in-1 Bundle ($129.99 per month): Coverage for enhanced appliances, electronics, and some sewer and water line repairs, plus Platinum Premier coverage

Optional add-ons include electronics and water and sewer line repairs.

Pros:

  • Fast response time
  • Simple, single-service fee pricing
  • Comprehensive coverage options
  • No cancellation fees

Cons:

  • Pricing is more expensive than some competitors
  • Limited optional add-ons
  • Not available in all states
Additional Details

With American Residential Warranty, technicians will arrive within 24 hours for emergencies or 48 hours for standard calls. You also have the option to use your own contractor if you’d prefer.

BEST FOR SIMPLE, STRAIGHTFORWARD COVERAGE

Choice Home Warranty

4.3
★★★★★ ★★★★★ ★★★★★
Plans Available
2
Customer Service Reputation
Just okay; Some customers have had good experiences, while others report poor experiences
Unique Features
Basic Plan offers comprehensive coverage
Monthly Premium Cost
$46.83 to $54.75 per month
Service Fees
$85
Show More Details

Choice Home Warranty offers just two coverage options, both with a simple $85 flat service fee:

  • Basic Plan ($46.83 per month): Coverage for heating, electrical, and plumbing systems, plus plumbing stoppages, water heaters, whirlpool bathtubs, ovens, cooktops, dishwashers, built-in microwaves, and garbage disposals
  • Total Plan ($54.75 per month): Coverage for some larger appliances like air conditioners, washers and dryers, and refrigerators, plus Basic Plan coverage

Optional add-ons include:

  • Septic systems
  • Septic tank pumping
  • Sump pumps
  • Roof leaks
  • Well pumps
  • Freezers
  • Second refrigerators
  • Central vacuums
  • Pools and spas

Pros:

  • Basic Plan is fairly comprehensive
  • Flat service fee
  • Military discounts

Cons:

  • Limited plan options
  • Customer service could be stronger
Additional Details

Choice Home Warranty has a $50 cancellation fee that applies after 30 days on yearly contracts. They also offer coverage for manufactured homes and condos, which not all warranty companies do.

BEST FOR QUICK RESPONSE TIMES

Cinch Home Services

4.5
★★★★★ ★★★★★ ★★★★★
Plans Available
3
Customer Service Reputation
Good; While some customers rave about their experience, others say there’s room for improvement.
Unique Features
24-hour window for repair appointments
Monthly Premium Cost
$34.99 to $49.99 per month
Service Fees
$100 to $150
Show More Details

Cinch Home Services, formerly known as Cross Country Home Services, offers three coverage options with service fees ranging from $100 to $150:

  • Appliances ($34.99 per month): Coverage for standard appliances such as washers and dryers, ovens, dishwashers, ice makers, built-in trash compactors, built-in microwaves, and more
  • Built-in Systems ($39.99 per month): Coverage for air conditioners, attic fans, ceiling fans, sump pumps, toilets, heating systems, and more
  • Complete Home ($49.99 per month): Combination of both the Appliances and Built-in Systems Plans

Optional add-ons include:

  • Pools and spas
  • Septic systems
  • Well pumps
  • Permits and code violations

Pros:

  • Affordable, yet comprehensive coverage
  • Fast response time

Cons:

  • Service fee options are higher than some competitors
  • No option to choose your own contractor
Additional Details

With Cinch Home Services, you aren’t able to choose your own contractor. However, they offer two-hour response windows during business hours and a maximum of 24 hours to set up a repair appointment.

BEST FOR HIGH-EFFICIENCY REPLACEMENTS

Home Warranty of America

3.3
★★★★★ ★★★★★ ★★★★★
Plans Available
2
Customer Service Reputation
Just okay; HWA has mixed reviews.
Unique Features
GreenPlus add-on, which provides high-efficiency replacements for irreparable appliances.
Monthly Premium Cost
$45 to $55 per month
Service Fees
$75 or $100
Show More Details

Home Warranty of America offers two coverage options with two service fee tiers:

  • Premier Plan ($45 per month): Coverage for standard items like HVAC, water heater, plumbing, electrical, doorbell, alarm systems, and more
  • Premier Plus Plan ($55 per month): Coverage for premium items like additional appliances and AC systems

Optional add-ons include:

  • Pools and spas
  • Well pumps
  • Septic pumps and systems
  • Code violations
  • Re-keying
  • Permits
  • GreenPlus

Pros:

  • Comprehensive coverage
  • Fairly affordable rates
  • GreenPlus option

Cons:

  • Limited plan options
  • No option to choose your own contractor
Additional Details

HWA offers a unique program called GreenPlus, which provides high-efficiency appliances if a broken appliance is deemed irreparable.

BEST FOR RENTAL PROPERTIES; OVERALL VALUE

Liberty Home Guard

5.0
★★★★★ ★★★★★ ★★★★★
Plans Available
3
Customer Service Reputation
Great; Liberty Home Guard received rave reviews on TrustPilot
Unique Features
Incredible coverage for a fair price
Monthly Premium Cost
$49.99 to $59.99 per month
Service Fees
$60
Show More Details

Liberty Home Guard offers three coverage options for single-family, mobile and manufactured homes, condos, and rental properties. Each plan has one $60 service fee tier:

  • Appliance Guard ($49.99 per month): Coverage for appliances like washers and dryers, refrigerators, ceiling and exhaust fans, dishwashers, and more
  • Systems Guard ($54.99 per month): Coverage for AC, heating, plumbing, electrical, and ductwork systems, as well as water heaters
  • Total Home Guard ($59.99 per month): Combination of the Systems Guard Plan and the Appliance Guard Plan

Optional add-ons include:

  • Pools and spas
  • Hot water dispenser
  • Gutter cleaning
  • Sump and well pumps
  • Floor and carpet cleaning
  • Pest control
  • Some roof leaks
  • And much more.

Pros:

  • Comprehensive list of optional add-ons
  • Comprehensive coverage for base plans

Cons:

  • It’s recommended that you don’t hire your own contractor
  • Coverage isn’t available in Washington or Wisconsin
Additional Details

While customers are discouraged from hiring their own contractors, Liberty Home Guard has a network of over 10,000 pre-approved technicians ready to respond to repairs within 24 to 48 hours.

BEST FOR AFFORDABLE COVERAGE

Select Home Warranty

4.2
★★★★★ ★★★★★ ★★★★★
Plans Available
3
Customer Service Reputation
Great; Select Home Warranty receives solid reviews on TrustPilot
Unique Features
Similarly-priced plans despite varying coverage
Monthly Premium Cost
$44.42 to $47.75 per month
Service Fees
$60 to $75
Show More Details

Select Home Warranty offers three similarly-priced coverage options:

  • Bronze Care ($44.42 per month): Coverage for washers and dryers, garbage disposals, refrigerators, ovens, microwaves, cooktops, and dishwashers
  • Gold Care ($44.42 per month): Coverage for AC and cooling, heating systems, plumbing systems, electrical systems, water heaters, and ductwork
  • Platinum Care ($47.75 per month): Combination of the Gold Care and Bronze Care Plans

Optional add-ons include:

  • Plumbing
  • Lighting fixtures
  • Fridge ice makers
  • Sump pumps
  • Septic systems
  • Lawn sprinkler systems
  • And more.

Pros:

  • Affordable pricing on the most comprehensive plan
  • Flexible cancellation policy

Cons:

  • Up to four days for non-emergency claims made after hours
  • Not available in New York, Nevada, Wisconsin, or Washington
Additional Details

Select Home Warranty has a network of pre-approved technicians that respond to claims. Typically, they’ll be on-site to work on your claim within 48 hours. However, if you submit the claim after hours and if it’s not emergent, it will take up to four days to receive a technician.

BEST FOR 24/7 CLAIMS PROCESS

The Home Service Club

4.2
★★★★★ ★★★★★ ★★★★★
Plans Available
2
Customer Service Reputation
Just okay; The Home Service Club receives mixed reviews
Unique Features
Free early cancellation
Monthly Premium Cost
$51.25 to $62.50 per month
Service Fees
$65, $95, or $125
Show More Details

The Home Service Club offers just two plans:

  • Standard Coverage ($51.25 per month): Coverage for 18 essential systems and appliances, like AC, heating, plumbing, and laundry appliances
  • Comprehensive Coverage ($62.50 per month): Covers items included in the Standard Coverage plan, plus 15 additional items

Optional add-ons include:

  • Sprinkler systems
  • Freezers
  • Water softener
  • Jet tubs
  • Utility lines
  • Pools and spas
  • Dual compressor refrigerators
  • Wells and sewage pumps

Pros:

  • Solid customer ratings
  • Low service fee option

Cons:

  • Limited plan options
  • Can’t always pick your own contractor
Additional Details

You can submit a claim 24/7 online and during business hours via phone. In most cases, the technician that responds to your claim will be one of Home Service Club’s approved technicians. In select circumstances, you may be able to use your own pre-approved contractor.

Grace Lemire is a full-time content writer and part-time social media creator with a passion for helping people navigate life's toughest financial decisions – from moving out of your parents' house to buying a home.